Heart rate says how many beats occur per minute. Variability uses the exact differences between consecutive intervals. MaxPulse records the pulse wave at the fingertip and derives short-term variability from the intervals between pulses, which the report labels as HRV. Technically, this is a PPG-based estimate of pulse rate variability (PRV), not an ECG recording.
Short-term PRV/HRV is sensitive to breathing, posture, time of day and preceding load. Device summary indices are not the same as standard ECG-derived HRV metrics and should not be compared one-to-one with a watch, ring, Holter recording or another algorithm.